SIP PAUSE TEST

What Happens When You Pause Your SIP?

Compare a continuous SIP with a temporary pause and see the illustrated impact on your future corpus.

₹20,000
Amount invested at the beginning of each month.
10%
%
Illustrative annual assumption; actual returns may vary.
20 Years
years
Total period used for the illustration.
12 Months
Pause length used in the comparison.
ILLUSTRATED WEALTH IMPACT OF PAUSING ₹0 Illustrated difference after accounting for the pause.
Continuous SIP ₹0
₹20,000/month for 20 years
SIP With Pause ₹0
₹20,000/month with a 12-month pause
Continuous SIP SIP With Pause

During the pause, existing accumulated capital remains invested and continues to compound in the illustration.

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Calculation Method: SIP contributions are assumed at the beginning of each month. The selected annual return assumption is converted to an equivalent monthly rate using monthly compounding. The continuous scenario invests the SIP throughout the full horizon. In the pause scenario, SIP contributions are made before the pause, the accumulated corpus continues to compound during the pause without new contributions, and the same SIP resumes after the pause.
Pause Timing: For investment horizons of 6 years or more, the model places the selected pause after the first 3 years. For shorter horizons, the pause is placed approximately around the midpoint of the investment period. This timing assumption is used only to create the comparison and may not match an investor’s actual SIP pause timing.

Illustration only. This calculator does not predict or guarantee investment returns or future corpus values. Actual investment outcomes can differ due to market movements, the timing of contributions and withdrawals, expenses, taxes and other factors. The calculation assumes a constant return rate for illustration. Existing investments may continue to fluctuate in value during a SIP pause. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.